Gas Station Insurance in San Diego


#1 Insurance for Fuel Distributors in California


With gas station insurance coverage in San Diego, you can have peace of mind knowing that your business is safeguarded from potential risks that can ruin it. A gas station insurance policy is a type of small business insurance that protects gas stations and fuel distributors in case anything goes wrong. Fire, employee crimes, theft, injuries, property damage, vehicle and gas tank malfunction – accidents can happen anytime, especially when your customers are in a hurry.

Having gas station insurance in San Diego from an H&M insurance company ensures your business is fully covered. Our insurance experts will provide a custom insurance package tailored to the specific goals of your business. Contact us today and we will reply the same day with a gas station business insurance quote.




(619) 296-0005


Gas Station Insurance Coverage in San Diego, CA

Some accidents can have devastating consequences for small businesses, but we can help you find custom insurance packages at affordable prices. Some of the coverage options we offer for gas stations include:

General Liability Insurance

This is one of the most common business insurance policies. It covers customer injuries, damages to the customer property, and libel or slander lawsuits. Third parties may identify your business as liable for their losses, so a general liability policy will cover you.

Business Owner Policy (BOP)

BOP bundles general liability, commercial property, and business interruption insurance. So, it is a more affordable option than purchasing each policy separately. It usually provides coverage for equipment breakdowns, building and contents, and more.

Workers’ Compensation

It will protect your employees by paying for medical costs, lost wages, and even death resulting from any work-related injury or illness. It is mandatory in California, and failure to provide proper workers’ comp can result in severe penalties.

Employment Practices Liability Insurance (EPLI)

Harassment, discrimination, wrongful termination, and other wrongful acts can be reasons for your employees to file a lawsuit. With EPLI, you will have funds to cover your legal expenses.

Commercial Property

It protects your physical assets from explosions, storms, vandalism, theft, burst pipes, and fire. Your computers, furniture, equipment, documents, inventory, and other’s property will be covered.

Commercial Crime Coverage

Our commercial crime policy covers employee dishonesty, robbery, forgery or alteration, funds transfer fraud, computer fraud, burglary, and other crime-related losses.

Underground Storage Tank Insurance

Having an underground storage tank leak or fuel release into the ground is a financial, PR and ecological nightmare. This coverage will help you with defense costs that arise from legal action brought by third parties harmed by the incident.

Business Interruption

When fire or some natural disaster closes your business, business interruption insurance kicks in. It covers lost income, operating expenses, payroll, taxes, loan payments, moving to a temporary location, and more.

Equipment Breakdown

A pump malfunction can cause money loss as customers pass you by. With equipment breakdown insurance, you will be back to business in no time and have fewer out-of-the-pocket expenses.

Commercial Auto Insurance

If you own a commercial vehicle like a van or gas truck, commercial auto insurance will provide coverage for property damage and bodily injuries in case it is involved in an accident. Nearly every state requires this type of insurance coverage for business-owned vehicles.

Cyber Liability Insurance

Protection against computer-related crimes and losses is extremely important. This insurance coverage is designed to cover data, privacy, and network exposures. Most gas stations accept credit cards and use computers, so having this coverage can be beneficial.

Liquor Liability Insurance

If your gas station has a convenience store and serves or sells alcohol, having liquor liability insurance can help you provide coverage for incidents involving alcohol, like legal costs, third-party bodily injury, and property damage.

Umbrella Coverage

The risk of substantial losses is always present when running a gas station business. In situations when your standard insurance policy cannot cover the total expense, an umbrella policy provides coverage that exceeds your policy limit.

How Much is Gas Station Insurance in California?

As far as gas station insurance cost is concerned, it varies depending on several factors:

  • Location of your gas station
  • Business property and equipment
  • Number of employees
  • Services offered
  • Annual revenue
  • Claims history

Why is Insurance for Gas Stations so Important?

Gas is an extremely volatile substance, so making your gas station as secure as possible is of the utmost importance. Still, accidents happen all the time. Without the right gas station insurance in San Diego, you would have to pay for all medical expenses, damaged property, and legal fees out of your pocket. For this reason, having gas station insurance is one of the best investments you can make.


Choose the best rate and coverage in California!

Is Gasoline Station Insurance Mandatory?

It is not mandatory to purchase gas station insurance in the U.S. However, operating a gas station is not without risks. With the proper insurance, you will be covered against unwanted expenses, for example, if your customer accidentally falls and claims your slippery floors were to blame. If they file a lawsuit against you, your pockets will certainly end up empty. Do not let them ruin your business!

Why Gas Station Owners Trust H&M Insurance Company?


  • Affordable prices, with discounts and flexible payment options
  • More than 50 years of experience in commercial insurance
  • A family-owned company specialized in California and San Diego markets
  • A dedicated team of insurance experts
  • Partners with the most reputable gas station insurance companies
  • Always willing to find the most appropriate insurance solution
  • Outstanding customer service

Find the Right Insurance for Gas Stations in San Diego

H&M insurance agency understands the particular needs of your gas station business. Our skillful team is ready to help you choose the right coverage, so we are dedicated to the continued success of your company. Let us be your partners who will bring you inner peace, knowing that your business will be financially protected. Call us today at (619) 296-0005 or stop by our office at 801 Washington Street, San Diego CAand get expert advice.

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When the expenses surpass the limit of your liability policy, umbrella coverage can save you from financial disaster. We explain the importance of having an umbrella policy.

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By protecting your employees, you also protect your business. Avoid paying expensive fines out of your pocket with the best workers’ comp insurance in San Diego.